Water Quality Financing Administration

Application Period is Currently Open through January 31, 2022

Please Note: This solicitation does NOT include requests for applications for Clean Water Commerce Act and Federal Infrastructure Investment and Jobs Act of 2021. See information at the end of this announcement regarding these programs.



DUNS numbers are being phased out and replaced with "UEI" Unique Entity Identification effective 4/4/2022. A recipient will not be able to accept awards without an UEI number. Information regarding the UEI can be found at SAM.gov.


Federal FY22 Loan and State FY24 Grant from Water Quality Financing Administration (WQFA)

For more information, please contact Jeff Fretwell at jeffrey.fretwell@maryland.gov

Water Quality State Revolving Loan Fund – Low interest rate loan and loan principal forgiveness (if eligible) for publicly-owned treatment works projects and publicly or privately-owned non-treatment works projects.    

Drinking Water State Revolving Fund – Low interest rate loan and loan principal forgiveness (if eligible) for public or privately-owned drinking water projects.

Bay Restoration Fund Wastewater Program - Grant funds for

·         ENR upgrade at major or minor wastewater treatment plants

·         Improvements to existing wastewater conveyance systems

·         Sewer extension to connect homes on septic systems to a BNR/ENR wastewater treatment plant

·         Nitrogen reducing BAT upgrade at shared community septic systems  

·         Stormwater (MS4) projects by local governments with a system of charges

·         Climate resiliency and flood control

Water Supply Financial Assistance - Grant funds not to exceed $1.5 million for drinking projects at publicly-owned facilities, based on system size, compliance, and affordability.

If your project will be ready-to-proceed to construction by December 2023, please complete a separate application for each capital project* for which you are seeking financial assistance and submit to MDE per instructions provided in the application.  If you previously applied for financial assistance and your project was only partially or not funded, a new/updated application is required. 

* Applicants with stormwater projects to meet MS4 permits, sewer overflow abatement projects, and sewer extension projects may (and are strongly encouraged to) submit multiple projects that will start construction within 12 – 18 months of notification of funding as a “program” of projects using a single funding application (as opposed to submitting individual projects in separate applications).

Projects in construction prior to MDE’s verification of competitive procurement and compliance with all programmatic requirements will not be funded.  Do not submit applications for projects that are, or will be, in construction prior to these reviews being completed by MDE

Applicants are strongly encouraged to review the template grant and loan agreements posted here to be aware of funding commitments.

Please Note: Applications will only be accepted electronically – see instructions in each application. 

 Application for Water Quality Capital Projects​​

Application for Drinking Water Capital Projects​

State FY24 Comprehensive Flood Management Grant (FMG)

For more information, please contact Jeff Fretwell at jeffrey.fretwell@maryland.gov

MDE invites Counties and Municipalities to send applications for the 2024 fiscal year. Applications and supporting documents are due to MDE by January 31, 2022.  Notification that your project was selected will be made after the 2023 Maryland General Assembly approves the State’s capital budget. Awards will be made after the Maryland Board of Public Works approval.  Links to the application are below.

FY24 MDE FMG Application Form ​​​

FY24 MDE FMG Grant Ranking Criteria​​

·         Please Note: All applications for Comprehensive Flood Management Grant Program funds will only be accepted electronically via email.


·         In one email, please submit one Signed copy of the complete application, including all attachments, all supporting documents, and provide a FIRMette created from FEMA’s Map Service Center website, https://msc.fema.gov/portal/home, a map from our outreach website, https://mdfloodmaps.net/, or GIS map with the location of the project clearly identified. Please note: maximum file size that can be accepted via email is 25MB. Please contact Jeff Fretwell at jeffrey.fretwell@maryland.gov if you have any questions.



·         Submit the application to mde.wqfa_announcement@maryland.gov.

·         It is important to identify this application as a Comprehensive Flood Management Grant application. Please specify by including in the subject line, Flood Application.


The Clean Water Commerce Act of 2021 significantly altered the programmatic requirements of the previous Act.  MDE is revising regulations, and preparing new documents to meet these requirements. Once these documents are available, MDE will broadcast a solicitation for funding applications. MDE anticipates this to be early in calendar year 2022.


Additionally, Maryland is slated to receive additional federal funding from the Infrastructure Investment and Jobs Act of 2021 in the Water Quality and Drinking Water Revolving Loan Funds. This Act provides increased funds for the “traditional” projects that are eligible for the Water Quality and Drinking Water Revolving Loan funds. This Act also provides additional funds for lead service line replacement and emerging contaminants.  At this time, programmatic requirements are still being compiled by EPA. Once MDE receives this information, along with guidance documents, MDE will prepare solicitations for this funding. If you are interested in receiving an email specific to lead service line replacement or emerging contaminants, please send an email to mde.wqfa_announcement@maryland.gov with either Lead Service Line or Emerging Contaminants (or both) in the subject line. Please request to be included in the solicitation when it becomes available to be sure MDE has your accurate information.


Purpose and Mission  

The mission of the Maryland Water Quality Financing Administration (MWQFA) is to provide financial assistance in the form of low interest rate loans and grant funding for water quality and drinking water capital projects across the State. 

Eligible types of projects include:
  • Sanitary Sewer and Wastewater Treatment 
  • Drinking Water Infrastructure and Source Water Protection
  • Stormwater and Watershed Restoration and Protection
  • Septic System Upgr​ades and Sewer Connection 

MWQFA administers the loan and grant programs described below:  


Financial Program


Water Quality Revolving Loan Program (WQRLF)

Provides low-interest loans to local governments to finance wastewater treatment plant upgrades, nonpoint source projects, and other water quality and public health improvement projects.

Drinking Water Revolving Loan Program (DWRLF)

Provides low-interest loans to local governments to finance water supply improvements and upgrades.

Water Supply Assistance Grant Program

Helps communities meet their water supply needs.

Bay Restoration Fund - Wastewater Grant Program 

  • ENR upgrade at major or minor wastewater treatment plants.
  • Improvements to existing wastewater conveyance systems.
  • Sewer extensions to connect homes on septic systems to a BNR/ENR wastewater treatment plant.
  • Nutrient-reducing BAT shared community septic systems. 
  • Stormwater (MS4) projects by local governments.
  • Flood resilience and watershed restoration projects.

Bay Restoration Fund - Septic System Grant Program

Upgrades of existing septic systems to best available technology for nitrogen reduction to the Bay.

Linked Deposit Program

Credit support for private nonpoint source and drinking water projects.

Both loan programs receive federal funding from the United States Environmental Protection Agency (EPA) and offer below market interest rate loans to eligible borrowers, while ensuring the perpetuity of the revolving funds.

MWQFA is authorized to issue revenue bonds subject to approval of the State Board of Public Works and Secretary of the Maryland Department of the Environment.  Bonds issued by MWQFA do not constitute a debt or the full faith and credit pledge of the State or any political subdivision.  The bonds are paid solely from MWQFA revenues as pledged under the bond indenture for each of the above Funds.

MWQFA works very closely with MDE’s Engineering and Capital Projects Program (ECPP, formerly the Water Quality Infrastructure Program).  ECPP is responsible for management of water quality, drinking water, and stormwater and flood mitigation capital projects to protect public health and water quality.



Federal FY2020/State FY2022 Funding Documents

Federal FY2019/State FY2021 Funding Documents

For Septic Grants:
Associated Documents:

Maryland Forest Financing Implementation Tool (FFIT)
Maryland Forest Financing Implementation Tool (FFIT), is a calculator designed to assist local governments and their watershed partners seeking loans to fund forestry efforts in quantifying project water quality benefits. The video shows how FFIT can be used to review different implementation scenarios, evaluate how much a forestry project would cost, estimate how many MS4 credits and environmental co-benefits can be achieved. The slides in the video and a user guide are also below.
For additional information​, please contact (410) 537-3119


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